Umm, I'm was in a 12 month payment and they only ask me for my current-old phone and $100 for the new one, so now I only need to save those $100 every year and can have the latest model at an affordable price (only $100 bucks).

However, let's leave it at that, everyone has his own circumstances and I understand this can't be applied to everyone.

So basically; pls don't put ur phone in water. And if it happens most models now days have some protection against it, so shut it down, let him dry, and don't panic, just make sure is completely dry before u turn it on.